Core Viewpoint - The opening of three new branches by Changshu Rural Commercial Bank marks a significant step in enhancing its presence in Jiangsu province and improving its financial service network [1][2] Group 1: Branch Openings - Changshu Rural Commercial Bank has opened three branches in Nanjing Jiangning, Yangzhou Baoying, and Suqian Sucheng, which were previously village banks acquired or initiated by the bank [1] - The establishment of these branches fills business gaps in key areas such as provincial capitals and enhances the bank's physical service network [1] Group 2: Strategic Importance - Entering the Nanjing market allows the bank to directly access provincial resources, optimize resource allocation, and improve efficiency in sensing market trends and regulatory dynamics [1] - The new branches will help the bank deepen its market presence and reduce operational costs associated with independent legal entities, promoting efficient management [1] Group 3: Advantages of the "Village to Branch" Model - The "village to branch" model offers significant advantages over new branch establishments, leveraging existing customer bases and operational experience of the acquired village banks [2] - Changshu Rural Commercial Bank's mature management system and strong risk control capabilities will effectively mitigate risks associated with initial expansion into new areas [2] - The bank's expertise in microfinance and inclusive services will enhance the operational stability and profitability of the new branches, ensuring sustainable development in these regions [2]

据统计，"消失"的村镇银行中，大部分为通过吸收合并的方式转型为支行或分行，即"村改支""村改 分"，合并方以城商行和农商行为主，另有一家国有大行参与其中。 近日据国家监督管理总局披露，工商银行获批收购重庆璧山工银村镇银行，并设立中央大街支行，承接 重庆璧山工银村镇银行清产核资后的资产、负债、业务和员工。成为国有大行"村改支"首个案例。 "工商银行主导村改支案例，是大型银行积极响应中央金融工作会议关于加快处置高风险中小金融机构 的有力举措。大型银行参与农村中小银行改革化险，充分体现了'上下一盘棋'的体制优势，向外界传递 出改革化险加速的积极信号。"杨海平告诉记者。 他分析认为，未来大型银行参与村镇银行改革的案例预计不会太多。主要原因在于，在推进村镇银行改 革化险中，监管部门始终强调主发起行的主体责任，而由大型银行设立的村镇银行占比较小，绝大多数 村镇银行的主发起行为城商行或农商行。事实上，当年城商行、农商行设立村镇银行的主要考量因素之 一，正是为了突破地域限制。 城商行、农商行主导的吸收合并进程中，蒙商银行成为典型案例，共吸收合并11家村镇银行。据国家金 融监督管理总局内蒙古监管局于3月21日披露，这11家村镇 ...

Core Viewpoint - The acquisition of Chongqing Bishan Rural Bank by Industrial and Commercial Bank of China (ICBC) and its transformation into a branch represents a significant move in the ongoing reform and restructuring of rural banks in China, aimed at enhancing financial services and risk management capabilities [1][2][3] Group 1: Company Actions - ICBC has received approval to acquire Chongqing Bishan Rural Bank and establish ICBC Chongqing Bishan Central Avenue Branch, marking a rare instance of a state-owned bank acquiring a rural bank and converting it into a branch [1] - As of the end of 2024, ICBC will own two rural banks, with ownership stakes of 60% and 100% respectively [1] - The acquisition is seen as a breakthrough in the "village to branch" initiative, providing a model for future reforms [2] Group 2: Industry Trends - The restructuring of rural banks is gaining momentum, with several banks announcing mergers and conversions of rural banks into branches, indicating a trend towards consolidation and quality improvement in the sector [3][4] - The regulatory framework supports the transformation of high-risk rural banks into branches, allowing for better risk management and service continuity [3][6] - The overall performance of rural banks is under pressure, with many reporting losses, highlighting the need for effective restructuring strategies [4][5] Group 3: Future Outlook - The pace of rural bank restructuring is expected to accelerate, with a gradual reduction in the number of rural banks as they consolidate and improve their service capabilities [7] - The integration of rural banks into larger banking institutions is anticipated to enhance their operational efficiency and risk management capabilities [6][7] - There is a potential for more state-owned banks to participate in the "village to branch" initiative if policies are favorable and sustainable integration models are established [2][6]

Group 1 - The core viewpoint of the article highlights the rapid expansion and restructuring of rural banks in Jiangsu, with Changshu Rural Commercial Bank successfully opening three new branches as part of its "village to branch" transformation strategy [1][3] - In June alone, nearly 20 rural banks were approved for absorption and merger, indicating a clear trend towards industry consolidation and quality improvement [1][8] - Changshu Rural Commercial Bank's acquisition of three rural banks marks a significant step in its regional expansion, particularly in the Nanjing market, and reflects a broader trend of urban commercial banks absorbing rural banks to enhance their operational footprint [4][5] Group 2 - The restructuring process involves the complete takeover of various rural banks, with Changshu Rural Commercial Bank gaining 100% control over Jiangning Shangyin Rural Bank and other institutions, effectively consolidating its operations [3][4] - The integration of rural banks is seen as a means to optimize resource allocation and expand the network of branches, thereby enhancing competitiveness in the rural financial market [5][6] - The involvement of state-owned banks, such as the Industrial and Commercial Bank of China, in the absorption of rural banks signifies a new phase in the reform of small and medium-sized financial institutions [5][6] Group 3 - The historical context of rural banks shows a shift from rapid expansion to a focus on quality, with regulatory bodies initiating reforms to address governance issues and risk accumulation within these institutions [7][8] - The recent mergers and acquisitions are part of a broader strategy to enhance the operational efficiency and service capabilities of rural banks, despite some resistance from shareholders concerned about short-term impacts [9][10] - The long-term outlook remains positive, as the consolidation is expected to lead to increased customer bases and improved service capabilities, ultimately driving revenue growth [9]

Core Viewpoint - The approval of Industrial and Commercial Bank of China (ICBC) to acquire Chongqing Bishan Rural Bank marks the first instance of a state-owned bank participating in the "village-to-branch" reform, indicating a significant shift in the banking sector towards addressing risks in rural financial institutions [1] Group 1: Industry Implications - The involvement of large state-owned banks in the reform of rural banks reflects a proactive response to the central government's call for accelerating the resolution of high-risk small financial institutions [1] - The "village-to-branch" model is seen as a dual-value approach, benefiting both the acquired rural banks through improved governance and risk management, and the acquiring banks by enabling rapid market penetration in county-level markets [2][3] Group 2: Future Outlook - Despite the current momentum, the majority of rural banks are initiated by city commercial banks and rural commercial banks, suggesting that future cases of state-owned banks participating may be limited due to structural constraints [2] - Regulatory bodies are urged to provide clearer operational guidelines for the "village-to-branch" model and implement differentiated supervision to effectively support the agricultural sector [3] Group 3: Challenges and Recommendations - The acquisition process presents multiple challenges for the acquiring banks, including the need for effective integration of management systems and risk assessment [3] - A collaborative long-term mechanism is recommended, involving regulatory clarity on risk responsibilities and market-driven pricing strategies to facilitate smoother restructuring processes [3]

Core Viewpoint - The approval of Industrial and Commercial Bank of China (ICBC) to acquire Chongqing Bishan Rural Bank and establish a branch marks the first instance of a state-owned bank participating in the "village to branch" reform, indicating an expansion of financial reform within a larger financial system [1][2][10] Group 1: Acquisition Details - ICBC has been authorized to acquire Chongqing Bishan Rural Bank and set up ICBC Chongqing Bishan Central Avenue Branch, taking over the bank's assets, liabilities, business, and employees after asset verification [1][2] - Chongqing Bishan Rural Bank was established on December 23, 2009, with a registered and paid-in capital of 100 million RMB, and is fully controlled by ICBC [2][3] - The acquisition is expected to have no impact on ICBC's stock price as the rural bank is already a subsidiary of ICBC [3] Group 2: Other Banks' Status - Other major banks, such as China Construction Bank and Postal Savings Bank, have not announced any plans regarding "village to branch" reforms [4] - Several state-owned banks have established rural banks, with examples including Bank of China’s Zhongyin Fudeng Rural Bank, which was established in 2011 and has a network of 134 legal entities and 189 branch outlets [5] Group 3: Trends in Rural Banking - The establishment of rural banks aimed to address the long-standing financial service gaps in rural areas, but many face challenges such as governance issues, lack of credibility, limited market space, and difficulties in capital replenishment [7][8] - As of the end of 2024, the number of rural banks in China has decreased to 1,538, down from a peak of 1,651 in 2021, indicating a trend of consolidation and exit from the market [8][10] - The ongoing reforms in rural banking, including "village to branch" and "village to division," are part of a broader strategy to optimize the rural financial service system [10]

Group 1 - Suzhou Bank plans to acquire the equity of other shareholders in Dongwu Village Bank, further strengthening its provincial layout [1][2] - The acquisition was approved unanimously during the fifth board meeting held on June 20, which also included a proposal for restructuring the financial market sector [2] - As of the end of 2024, Suzhou Bank had four Dongwu-affiliated village banks in Jiangsu province, indicating a strategic expansion in the region [2] Group 2 - Suzhou Bank, established in September 2010 with a registered capital of 3.667 billion, is the only listed city commercial bank headquartered in Suzhou [2] - By the end of Q1 2025, Suzhou Bank's total assets reached 727.154 billion, a 4.8% increase year-on-year, with a net profit of 1.554 billion, up 6.8% [2] - The ongoing reform and risk mitigation efforts in village banks have led to several banks, including Beijing Bank and Jiangsu Bank, acquiring stakes in village banks [3]

【导读】苏州银行拟收购东吴村镇银行其他股东股权，进一步强化省内布局 中国基金报记者 马嘉昕 6月24日，苏州银行发布公告称，经该行董事会审议通过了《关于苏州银行收购东吴村镇银行 其他股东之股权的议案》。这意味着，苏州银行强化省内布局取得新进展。 拟收购东吴村镇银行股权 苏州银行公告显示，该行于6月20日采用书面传签表决方式召开了第五届董事会第二十五次会 议，此次会议不仅全票表决通过了《关于金融市场板块职能及架构调整的方案的议案》，还 审议通过了《关于苏州银行收购东吴村镇银行其他股东之股权的议案》。 据悉，这是苏州银行继去年徐州分行获批开业实现省内机构全覆盖后，强化省内机构布局的 又一重要部署。另据2024年年报披露，截至去年底，苏州银行旗下共有四家东吴系村镇银 行，分别为江苏沭阳、泗阳、泗洪和宿豫东吴村镇银行。 公开资料显示，苏州银行成立于2010年9月，注册资本为36.67亿元，是唯一一家总部设在苏 州的上市城商行。该行立足苏州、深耕江苏、全面融入长三角，目前在江苏省内已经开设13 家分行、187个网点，发起设立4家村镇银行，入股2家农商行。 截至2025年一季度末，苏州银行资产总额为7271.54亿元，较 ...

中小银行是我国金融体系的重要组成部分，也是推动区域经济发展和服务实体经济的生力军。今年以 来，我国中小银行改革重组步伐加快，多地的村镇银行、农商银行等金融机构被吸收合并重组，将在金 融机构名单上加速消失。据不完全统计，今年前5月，约180家中小银行获批复合并或解散。 村镇银行、农商银行等中小银行在银行业体系中占据数量多，但是由于个体体量小，抗风险能力较弱， 在内部管理等方面隐藏着诸多风险点，改革化险则成为治本之策。"推动中小金融机构风险化解是守住 系统性风险底线的重要举措，将保障金融体系更加平稳运行。"中国银行研究院研究员范若滢表示，从 外部来看，宏观经济下行压力加大，银行业净息差收窄，导致银行经营压力加大。因地制宜化解中小金 融机构风险，可以根据不同区域经济发展表现，以及不同机构风险情况差异，制定并推出不同的适配策 略。对流动性风险突出机构，优先使用再贷款、专项债补充资本；对治理失效机构，通过引入战投、压 实主发起行责任重组。 金融监管总局农村中小银行监管司相关负责人表示，推动农村中小银行兼并重组减量提质，要通过改体 制、转机制、强管理、增动能，增强农村金融服务适应性和竞争力。支持配合省级党委政府"一省一 ...

当前，村镇银行、农商行等中小银行改革进程加快。《证券日报》记者据企业预警通软件梳理，截至6 月6日，年内已有191家中小银行获准合并或解散（以批复日期计），而2024年全年共197家中小银行获 准合并或解散。 例如，6月5日，国家金融监督管理总局广东监管局发布两则批复，同意广州农商银行吸收合并中山东凤 珠江村镇银行股份有限公司、东莞黄江珠江村镇银行股份有限公司，并承继两家村镇银行清产核资后的 业务、财产、债权债务及其他一切权利义务。吸收合并后，上述两家村镇银行将解散并注销法人资格， 并将改建设立成为广州农商银行的分支机构。 在南开大学金融学教授田利辉看来，中小银行加速改革化险的背后，既有政策驱动，也有市场环境变化 等多重因素。 今年的《政府工作报告》明确提到，"按照市场化、法治化原则，一体推进地方中小金融机构风险处置 和转型发展"。此外，今年1月份，国家金融监督管理总局召开2025年监管工作会议，对于今年的工作部 署明确提到"加快推进中小金融机构改革化险。坚持上下统筹、分工包案、凝聚合力，全力处置高风险 机构，促进治理重塑、管理重构、业务重组"。3月份，国家金融监督管理总局党委召开扩大会议时强 调"一体推进地 ...